YBS Mortgages 3 year fixed rate until 30/06/11

3 year fixed rate until 30 June 2011 - Min 10% deposit

The details of this mortgage product should be read in conjunction with Additional Mortgage Information

	Home movers & remortgages	Remortgages with fee assistance
Interest rate:	6.39% until 30/06/11 then 6.90% variable (our SVR) for the remaining term of your mortgage	6.49% until 30/06/11 then 6.90% variable (our SVR) for the remaining term of your mortgage
The overall cost for comparison is:	7.1% APR	7.1% APR
Fee Assistance:	None	Free legal service and free valuation.
Product Availability:	For First Time Buyers For customers remortgaging from another lender For new customers moving home For existing YBS borrowers moving home	For customers remortgaging from another lender
Product Fee:	£995 (£195 of this fee is payable on application and is non-refundable, and £800 is added to your account on completion)
Minimum Loan:	£25,001
Maximum Loan to Value:	90%
Higher Lending Charge:	Paid by us if LTV does not exceed 90%
Early repayment charge:	3% before 30/06/11 If the product is repaid in full or in part, or transferred (in full or in part), an early repayment charge is payable as described above. However, overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur a charge of the percentage specified on the excess amount
Mortgage Fee:	£90 (payable on redemption of your mortgage)